Have you ever been rejected for health insurance because they said you had a pre-existing condition? Have you received a notice that your policy is being cancelled because you lied on your application? Have you ever applied for a health insurance plan and been accepted subject to a specific exclusion based on prior medical history? All of these things happen to people on a regular basis and, unfortunately, the burden of proof always seems to be with the insured.
If a serious illness is diagnosed short after your cover begins, the medical insurance companies become skeptical and will start looking into your application for any discrepancies. They may even think that it was a condition that was not disclosed and refuse to pay for treatments related to the illness. In order for the insurance company to cover this illness the patient must present them with medical records to prove that there is no history of this illness in your medical background.
Medical insurance companies have these policies in place, unfortunately, because there have been many instances of individuals lying on their application, or purposely withholding medical records, in order to acquire medical insurance with a less expensive premium. In order to reduce expenses, and therefore keep the costs down for everyone else they are providing insurance to, the medical insurance companies must respond this way if the circumstances surrounding a serious medical condition seem suspicious. Again, it is up to the individual in these scenarios to obtain all of the relevant medical documentation to prove that there was no pre-existing condition, and that they were not lying on the insurance application form.
Prior medical history can sometimes lead to an exclusion of certain coverages in a health insurance plan. I know of someone who had visited a chiropractor for thirty years, receiving regular maintenance spinal adjustments. The word “surgery” was never even mentioned, yet, the health insurance company felt that it was a possibility, no matter how remote, and chose to exclude all spinal issues from the policy. This meant that if the patient was involved in an automobile accident and injured his spinal chord, there would be no coverage, even though it did not relate at all to the spinal history.
Several years later this same patient reapplied to the same health insurance company and was accepted without any exclusions. The Underwriting guidelines had been changed during those years and the old ones no longer applied. Unfortunately, everyone is always subject to current Underwriting guidelines and they can often cause someone to be rejected as a potential insured.phrase-c
When shopping for cheap health insurance you will want to be sure to compare health insurance quotes that you have obtained. This can be done in minutes if you go to www.healthinsuranceplace.com.
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